![<?echo $_SERVER['SERVER_NAME'];?>](/template/twentyseventeen/skin/images/header.jpg)
Recently, it has been reported that the central bank has successively talked about the e-commerce service platform represented by Mushroom Street, Two-Dimensional Fire and Like in the past six months. The reason is that the above-mentioned platform involves large merchants and the second clearing mode. There is a certain amount of funds remaining, but there is no license to pay and there is financial risk. It is expected that the Internet industry will have a new round of competition around the payment license, and it is already a hard-to-find payment license. Without a surprise, a new round of price hikes will be carried out.
Just experienced a lot of idle capital are seeking safe capital investment to hedge, and promote the skyrocketing of first- and second-tier cities, everyone should be able to intuitively feel the power of capital. Imagine that when Didi acquired a nine-pay curve to obtain a payment license, it spent 430 million yuan, and the value was ten times a year. It is better to be a real estate speculator than a speculative payment. According to the current situation, the rate of increase in the value of the payment license is expected to far exceed the price.
Behind the payment of a high transfer fee
Why can the payment of license fees be as high as several hundred million yuan?
The so-called "payment license" is the "payment service license" issued by the central bank to the third-party payment company, that is, the ticket to join the Internet financial industry. With this certificate, you are eligible to make third-party payment.
What qualifications do I need to get this card?
According to the conditions of the applicant for the "Payment Business License", the first is a limited liability company or a joint stock limited company established in China, and is a non-financial institution legal person; then there must be a minimum registered capital in accordance with the provisions of these Measures: nationwide operation It requires a registered capital of 100 million yuan, and regional, it must be more than 30 million yuan; third, there must be qualified investors. This is more difficult. The main investor must be a legally-established limited liability company or a company limited by shares. As of the filing date, it will provide information processing support services for financial institutions for more than 2 years, or provide information processing support services for e-commerce activities. More than one year, and continuous profit for more than 2 years; in the past 3 years, no penalty has been imposed for the use of payment services to carry out illegal or criminal activities or to pay for illegal activities; other conditions include more than 5 seniors familiar with payment business. Management personnel; there are anti-money laundering measures that meet the requirements; there are payment service facilities that meet the requirements...
Basically, it is necessary to achieve the above conditions, it takes a little effort. The central bank has issued a total of 270 payment licenses, of which three have been revoked because of serious problems in the management of the provision, so there are still 267 third-party payment licenses on the market. Since the state decided to strengthen supervision over third-party payments in 2014, the central bank suspended the issuance of new licenses in July of that year. In a limited number of cases, the Internet industry is like Mushroom Street, and there are a lot of companies that have a demand for payment licenses.
These platforms were originally not engaged in financial and financial business, and did not pay licenses. However, in the case of service merchants or ordinary users, in order to protect the security of funds or facilitate transactions, it is inevitable that many POS merchants share a merchant code, or The payment company or bank first pays the settlement of the POS machine to an individual or a company, and then the company or individual settles to the merchant, which is the so-called "big business model" and "two clear" mode.
These are all engaged in financial business in disguise and there are certain risks. Once the funds retained on the platform account reach a certain scale, systemic problems or platforms run, and the losses caused will cause a wide range of chain problems.
The reason why the central bank talks about these enterprises is to want to put these enterprises into supervision and carry out formalization. For these companies, the most convenient way is to purchase a payment license, not only have the payment business license, but also protect the entire payment system in its own ecosystem, such as the previous Jingdong, Vipshop will purchase payment licenses, It is for this reason.
With the continuous penetration of Internet in the industry, more and more companies are able to participate in the payment links of various industries and deal with digital money. In our country, there are quotas for payment licenses. In the end, if a company wants a license, it will have to rely on mergers and acquisitions. So many people want it, it can be said that it is hard to find, the third-party payment license market has directly become the seller's market, and it is strange to not raise prices.
Many well-known companies in China, the payment business is based on mergers and acquisitions companies, including Jingdong, Xiaomi, Ping An and Wanda. The 430 million Didi has long been not the most horrible price. Today, the price of a payment license is simply against the sky. Xiaomi spent 600 million yuan to acquire Jiefu Ruitong. Honglei shares even purchased Heli Finance at a price of 1.4 billion yuan.
Will the payment license continue to rise?
The situation that caused the payment license to become so fragrant is caused by the supply and demand situation, and the demand far exceeds the supply. Judging from the current regulatory attitude, the regulatory authorities have also noticed that a large number of Internet companies have inevitably generated capital retention status as their development needs, and how to solve the platform's compliance problems and make the risks controllable. More and more urgent.
Judging from the response of the regulatory authorities to the news, it is actually releasing information on the side and is studying and solving this problem. The person familiar with the report also said that “the central bank window guidance is not aimed at these enterprises, but it is considered to have a very good typical meaning for the supervision of the existing models of these enterprises. If a feasible road is found, It can be copied to similar regulatory scenarios in the future, and it is even possible to improve the current regulations accordingly."
For example, Mushroom Street is communicating with Alipay, several big banks and third-party service agencies to carry out system transformation and solve the problem of compliance. The central bank is also paying attention to these changes. If access to third-party services provided by institutions that pay for business licenses does not solve the systemic risk problem, it is not excluded that the central bank will issue a second wave of payment licenses.
Of course, for platforms such as Mushroom Street, access to third-party platform services that already have payment service licenses actually destroys the integrity of its own ecology. All transaction data, as well as financial transactions, user profiles and other confidential data will be Third-party institutions. If the strength is sufficient, it will be a better choice to directly acquire a payment license or push the central bank to issue a new payment license.
At present, in the short-term, driven by concentrated demand, payment licenses should enter the next round of skyrocketing. 360, Ctrip are now actively seeking to acquire payment licenses. However, in the long run, the reliance on hundreds of millions of payment license policies is too high. Once the central bank releases a new license, the current high price will naturally have no support. At present, the demand for payment service licenses on the Internet platform is increasing, and the possibility of promoting the release of the sixth batch of payment licenses by the central bank is also growing.
sample is available for pet dog items, pet pu item, dog and cat leather item and etc.
welcome to discuss the details,we will give the professional suggestion and sent the sample for check the quality.
hope we will cooperate in near future.
Dongyang Yadi Pet Product Co , Ltd was founded in 2006 and covers an area of 6500 square meters . We are located in Zhejiang , the famous manufacturing city in China.We are specialized in developing and manufacturing many kinds of pet products. Our featured products are pet collar ,PET Leash ,pet harness, pet clothes,pet bandana, small pet products, ect.
In order to take up the market , our company focuses on introducing and cultivating talents as well as constantly developing new products.We always take the principle of [credibility , concentrate on work , quality supreme , innovation and development", with a heart of thanks giving to return customers and society.
Welcome to visit our company!
Best wishes~Small Pet Item,Small Dog Item,Pu Dog Item,Leather Pet Item
Dongyang Yadi Pet Product Co.,Ltd , https://www.yadipet.com